First Guaranty Q1 FY26 net income swings to $2.7 million; EPS rises to $0.14

• First Guaranty posted net income of $2.7 million for Q1 2026, reversing a $6.2 million loss a year earlier.
• Net interest income slipped to $20.7 million from $22.2 million.
• Net interest margin narrowed 28 basis points to 2.07%.
• Provision for credit losses dropped to $2.6 million from $14.5 million as nonperforming assets fell by $12 million.
• CEO Michael R. Mineer said the bank improved its risk-weighted capital ratio by 123 basis points to 14.71% while continuing to reduce balance sheet risk, improve earnings, and grow capital.

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